2004 Nissan 350Z Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Nissan 350Z? Finding the cheapest insurance for your Nissan 350Z could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to buy insurance coverage and we’ll show you the proper way to price shop coverage on a Nissan and find the lowest price from both online companies and local agents.

The best way we recommend to compare car insurance rates is to know the trick most insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is give the companies some data such as what you do for a living, if you’re married, if it has an anti-theft system, and the ages of drivers. Your information gets sent immediately to multiple companies and they return rate quotes very quickly.

To compare rates for your Nissan 350Z now, click here and find out if lower rates are available.

Verify you’re getting every discount

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online.

Bundled Policy Discount – If you can combine your auto and homeowners policy with one company you could earn a discount of as much as 10 to 15 percent.
Service Members Pay Less – Having a family member in the military may lower your prices slightly.
Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote insurance on 350Z insurance depending on your insurance coverage provider.
E-sign – Some of the larger companies will give you a small discount get insurance on the internet.
Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky. But all discounts will bring down your policy cost.

A partial list of companies that may have most of the discounts above include:

Check with all companies you are considering which discounts you qualify for. Some discounts might not apply in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts, follow this link.

When should I discuss my situation with an agent?

When choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions might point out whether you may require specific advice.

Should I bundle my homeowners policy with my auto?
Am I covered if I crash into my own garage door?
What if I don’t agree with a claim settlement offer?
How can I get high-risk coverage after a DUI?
I have a DUI can I still get coverage?
Does my 2004 Nissan 350Z qualify for pleasure use?
How can I find cheaper teen driver insurance?
What is an SR-22 filing?
Do I need added coverage for expensive stereo equipment?
Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2004 Nissan 350Z

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This covers damage to your 350Z resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Nissan 350Z.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, a broken windshield, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for things like pain medications, surgery, chiropractic care, rehabilitation expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible